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Company Analysis

Simmons First National Corporat SFNC

A comprehensive view of key metrics, scores, and financial health for Simmons First National Corporat

Overview of Simmons First National Corporation

SFNC NMS
Financial Services Banks - Regional Mid Cap
Simmons First National Corporation (SFNC), is a Mid Cap company, in the Banks - Regional industry, last closed at $18.61, about 28.5% undervalued vs fair value, -9.8% 1Y return, ranked 963/1004 in sector.
$18.61
-1.53%
As of March 13, 2026
Previous close • Vol 90d: 30.9%
52-Week Range
Market Cap
$2.82B
Enterprise Value
$3.08B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.simmonsbank.com
HQ Pine Bluff, AR
Employees 2,917
Fiscal year Dec 31

Next Events

Dividend Apr 1
Earnings Apr 15 Estimated

Fair Value Snapshot

Bear Base Bull
$13
$24
$45
Current: $18.61 +29% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$1.3B
8.4%%
Interest Expense
$524.6M
Net Interest Income
$628.5M
-3.3%%
Total Revenue
$626.8M
-17.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
4.3%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$115.0M
75.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Simmons First National Corporat's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
26
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
29
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing SFNC's balance between Growth (7.9%), Profitability (33.3%), and Safety (58.8%). Growth 8% Safety 59% Profitability 33%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

2th percentile vs peers
3
Key Signals
Rev Growth YoY -17.8% 3p Asset Growth YoY -8.7% 2p Revenue CAGR 3Y -10.5% 2p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth in bottom 20% of peers (percentile: 2)
  • Rev Growth Yoy in bottom 20% of peers (-17.8%)
  • Asset Growth Yoy in bottom 20% of peers (-8.7%)

Profitability

11th percentile vs peers
12
Key Signals
Strengths
Risks
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Safety

21th percentile vs peers
21
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Simmons First National Corporat.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$23.91
- - -
+28.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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